Why Do Car Insurance Rates in Idaho Go Up Every Year?
1. Deer are more prone to collide with your car.
Deer-related car accidents go up every year and so do car insurance rates in Idaho. The natural and harvest cycles for deer have them on the move during the winter season. In addition, dawn and dusk fall at peak highway rush hour times.
2. People don’t renew their auto insurance policies every year, leading to unnecessary rate hikes.
Deer hitting your car will require car insurance protection. This type of car insurance policy is called comprehensive coverage and it doesn’t necessarily come with your car insurance plan. If you don’t have comprehensive coverage protection, you will most likely not receive money from your Idaho car insurance company after a car accident.
3. Most people don’t know that collision insurance does not cover damage when a deer hits a car.
Car owners should check their car insurance policies for the words ‘comprehensive coverage’ and ‘other than collision coverage’. This provides coverage for damage to the car done by a deer, as well as from hail, theft, and more.
4. People don’t put safety devices on their cars.
This is one of the easiest ways to reduce your car insurance monthly premiums. Anti-lock brakes, side air bags, automatic seat belts, and daytime running lights are examples that will help. Anti-theft devices, such as car alarms or a GPS will lower your rates, as well.
5. People don’t have good driving records.
It’s true. Careless or reckless drivers always experience hikes to their insurance rates. Your car insurance rates will be affected by speeding tickets and any charges brought against you while driving.
6. People don’t ask about car insurance discounts.
Many people are eligible for discount but don’t know to ask. The most common discounts are multi-car discount, discount for good grades (for students 25 years and under), mature drivers between 50 and 65, to name just a few.
7. Your location and driving patterns.
The higher number of car accidents in a populous such as Idaho will raise the car insurance premiums, while higher crime rates can raise the comprehensive coverage premiums in Idaho. Idaho auto insurance companies give you these rates based on your address, even though you may work in a more urban or rural area. The more miles you drive, the higher your rates will be.
8. Your car.
Generally, the more expensive your vehicle, the more you will pay for auto insurance coverage such as comprehensive and collision coverage. High-performance cars tend to get in more accidents and cost more to repair, and so auto insurance companies charge more to insure them. If you have a used car, consider eliminating the collision coverage, since the damage to the body might be worth more than the entire car.
9. Your age and gender.
Statistics show that young men, and drivers under the age of 30 and over 75 are involved in more accidents than the rest of the populous. Idaho law allows auto insurance companies to base their rates on age and gender, regardless if actual proof exists declaring otherwise.
10. Your teenager has their learner’s permit.
There is no law in Idaho that prevents auto insurance companies from raising your insurance premiums because your child achieved his learner’s permit and will soon be driving your car. Some companies will not make changes, and some may make a change once your teenager has achieved their full driver’s license.
While there are many factor’s that can affect your premiums un Idaho, those are the top 10 reasons why car insurance companies in Idaho may adjust your premiums.
The Idaho Department of Insurance (http://www.doi.idaho.gov/)
